Legal and Regulatory

Please read the following section carefully as it contains the conditions governing your use of the entire content of the website under the domain name churchill.com and other associated URLs (the “Site”) and to any correspondence by email between us and you. By using this Site you agree to these terms and conditions of use. If you do not accept these terms and conditions in full, you must leave the Site immediately. You should also read our privacy policy which outlines how personal information you provide to us will be used.

We may amend these terms and conditions at any time without notice. You should check this webpage from time to time to review the current terms and conditions because they are binding on you. Additional terms and conditions may apply to certain products and services offered on this Site. These will be drawn to your attention when you browse, apply for and purchase any such product or service and will supersede any conflicting term in these terms and conditions.

Churchill Insurance

The Site is operated by U K Insurance Limited. In these terms and conditions, “our”, “we”, and “us” refer to U K Insurance Limited.

Churchill Insurance

Churchill general insurance policies are underwritten by U K Insurance Limited. Registered office: The Wharf, Neville Street,Leeds LSA1 4AZ. Registered in England no 1179980.U K Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. It is entered in the Financial Services Register with the number 202810. In the case of life insurance, customers are introduced by UK Insurance Business Solutions Limited who are authorised and regulated by the Financial Conduct Authority; life insurance is provided by AIG Life Limited who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

In these terms and conditions, “our”, “we”, and “us” refer to U K Insurance Limited unless the contrary is indicated.

U K Insurance Business Solutions Limited

U K Insurance Business Solutions Limited. Registered office Churchill Court, Westmoreland Road, Bromley, Kent BR1 1DP. Registered in England no 05196274. U K Insurance Business Solutions Limited is authorised and regulated by the Financial Conduct Authority. It is entered in the Financial Services Register with the number 313783.The Financial Services website, which includes a register of all regulated firms, can be visited at www.fca.org.uk, or the Financial Conduct Authority can be contacted on 0800 111 6768 .

Ownership of material

All copyright, designs, graphical and text arrangements, logos, trademarks (e.g. Churchill, the Churchill Dog character and Nodding Dog), database rights and any other intellectual property rights in all material on the Site are owned by U K Insurance Limited unless otherwise indicated.

Use of site

The Site is intended for non-commercial personal use only. Interference or entry to the Site with intent to corrupt, damage or deny service from the Site or for commercial benefit is taken seriously and we will take such action as is necessary to protect the Site from any such activities. You acknowledge that damages may not be an adequate remedy for any infringement and that we are entitled to the remedies of injunction, specific performance, an order to deliver up materials which infringe our intellectual property rights and any other statutory or equitable relief and that no proof of special damages is necessary for reliance on such remedies.

Terms and conditions of our products and services

The content of the Site does not constitute an offer by us to sell products and services. Your request to purchase a product or service represents an offer by you that we may accept or reject and will be subject to the terms and conditions of that product or service.

The information and descriptions on the Site do not necessarily represent complete descriptions of all terms and conditions in relation to our products and services. Specific details will be included in the schedule of cover, policy documents and/or conditions of purchase issued to you.

You must ensure that the details you give to us while using this Site are correct and that you have sufficient funds to cover the cost of any product or service which you intend to purchase.

Availability of site

Whilst we have taken care in the preparation of the Site, certain technical matters may be beyond our control and we cannot guarantee that you will have uninterrupted or error free access to all of the Site at all times, that defects will be remedied, or that the Site, or the server that makes the Site available, are virus free. Access may be suspended occasionally or restricted to allow for repair or maintenance or for the introduction of new services.

Complaints procedure

We aim to provide you with a first class online service. However, there may be times when you feel that we have not done so. If this is the case, we would rather be told about it so that we can do our best to solve the problem. If you have a complaint then please contact us and we will make sure that your complaint is considered immediately.

If there is a disagreement between us which we cannot resolve to your satisfaction you can refer the complaint to the Financial Ombudsman Service (FOS) who, once contacted, will liaise with us on your behalf. The FOS will then inform you directly of its decision. Referral to the FOS will not prejudice your right to take subsequent legal proceedings. Their address is The Financial Ombudsman, Exchange Tower, London, E14 9SR (telephone 0800 023 4567 or 0300 123 9123 ).

External links

Links to third party websites are provided solely for your convenience. When you activate these links you will leave the Site. We do not endorse or take responsibility for the content on third party websites or the availability of those websites and we are not liable for any loss or damage that you may suffer by using those websites. If you decide to access linked websites you do so entirely at your own risk.

Certain links on the Site will lead you to websites that are under the control of other companies. These sites are operated on a local basis and may be subject to local laws and/or regulation. Please consult the terms and conditions of use and privacy statements on those websites for further details on the use of those websites.

The Busracer.com website has been created and is hosted by Inbox Digital. For the avoidance of doubt , all copyright, logos, trademarks and any other intellectual property rights, save for those pertaining to the software used to create the Busracer game, are owned by Churchill. Churchill are not however responsible for the availability of the Busracer website and are not liable for any loss or damage that you may suffer by using the Busracer.com website.

Site access and password usage

The Site is directed at those who can access the Site from the UK and is intended for use by UK residents only. Applications for products or services from non-UK residents will, unless otherwise stated, not be accepted.

To obtain access to certain online services you are given the opportunity to register with us. You are responsible for maintaining the confidentiality of your details and your password and for restricting access to your computer to prevent unauthorised access to your account. You accept responsibility for activities that occur under your account. You agree to inform us immediately if you have reason to believe that your password is being used in an unauthorised manner.

Payment card transactions

To help us reduce fraud, we hold onto the payment card details you give to us after payment. If you buy from us using a payment card, we typically issue refunds back to the same payment card account, unless there are exceptional circumstances.

Disclaimer

We will do our best to correct errors and omissions as soon as we can. Nevertheless, on occasion there may be mistakes in the price or type of product or service shown. In the event of such an error we reserve the right to cancel any contract we may have entered with you, but this of course will be without any liability to you and a refund will be offered.

The following provisions should be read carefully as they exclude or limit our legal liability in connection with your use of this website. Nothing in these terms and conditions attempts to exclude liability that is not permissible under applicable law, including without limitation, death or personal injury, or for fraudulent misrepresentation.

Nothing in these terms and conditions shall exclude, limit or restrict our duties and liabilities to you under the Financial Services and Markets Act 2000, or any conduct of business rules that we are bound to comply with.

While we have taken all reasonable steps to ensure the accuracy and completeness of the content of the website, we exclude any warranties, undertakings or representations (either express or implied) to the full extent permitted under applicable law, that the website or (including without limitation) all or any part of the content or materials, accuracy, availability or completeness of the content of the site or any part of the content or materials are appropriate or available for use either in the United Kingdom or in other jurisdictions. If you use this website from other jurisdictions, you are responsible for compliance with applicable local laws.

We accept no liability in contract, tort, negligence, statutory duty or otherwise (to the maximum extent permitted by applicable law) arising out of the use of or access to this site (which includes without limitation) any errors or omissions contained in this site or if the site is unavailable and we shall not be liable for any direct or indirect:

economic losses (including without limitation loss of revenues, data, profits, contracts, use, opportunity, business or anticipated savings);

loss of goodwill or reputation;

special, incidental, consequential loss or damage, suffered or incurred arising out of or in connection with your use of the site and these terms and conditions.

Access to and use of the site is at the user's own risk and we do not warrant that the use of the site or any material downloaded from it will not cause damage to any property, or otherwise minimise or eliminate the inherent risks of the internet including but not limited to loss of data, computer virus infection, spyware, malicious software, trojans and worms. Also, we accept no liability in respect of losses or damages arising out of changes made to the content of the site by unauthorised third parties.

Please note that this disclaimer does not affect your statutory rights in respect of any products or services that you purchase from this Site.

If any provision in these terms and conditions shall be found by any court or administrative body of competent jurisdiction to be invalid or unenforceable for any reason, such provision shall be deemed deleted and will not affect the validity or enforceability of the remaining provisions.

Waiver

If you breach these terms of use and we do not take immediate action against you we are still entitled to enforce our rights and remedies in respect of any such breach or any subsequent breach.

Jurisdiction and law

These conditions of use shall be governed by and construed in accordance with English law. Any disputes shall be subject to the exclusive jurisdiction of the English courts.

If you wish to contact us regarding any matter set out in these terms and conditions you may do so by email, by phone or in writing.

Last updated: June 2023